Invoice Financing for SMRT vendors

Advance up to $1 million*

Bank-like interest rate 0.8% p.m.*

Pre-approved, next-day cash^

Zero collateral required

Pre-approved: No min. requirements to apply

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Best Suited The ease, speed and flexibility of getting funds makes us an SME-preferred financing option compared to conventional bank loans.

Exclusive to SMRT vendors

SMRT has partnered with Validus so you can access better financing to support your business. Backed by Temasek Holdings' Vertex Ventures, Validus is Singapore's largest SME financing platform and is licensed by MAS.

We provide quick funding so you can get working capital of up to 90% of your invoice amount, to finance your operations and grow your business quickly — without the need to pledge any assets.

It's easy to apply

All SMRT vendors are eligible for pre-approved Invoice Financing on all invoices to SMRT. To get started, simply send in the following documents:

- Director(s)' NRIC/ Passport
- Director(s)' Proof of Address

Invoice Financing
get up to90%
of each Invoice amount
Up to $1mil, 30 - 150 days’ tenure
No hidden fees or extra charges – Disbursement fee only
Pre-approved: 48-hr disbursement
Flexible: Choose the invoice(s) to finance
Request a Call Back

How it works

Boost your cash flow instantly with your Accounts Receivable/ unpaid invoices to easily fund your overheads or expansion.

1. Apply, Submit Invoices Request a callback, send us the required docs and Invoice(s) you’d like to finance.

2. Receive Funds Once the Invoice(s) are verified, the funds will be disbursed to your nominated account. Plus receive the balance of the invoice amount (less interest) when SMRT makes payment.

Invoice Financing Singapore
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Get fast finance for your business
Capitalise on opportunities
Extend your payment periods
Flexible funds when needed
Transparent, simple fees
Trusted by Singapore SMEs

Frequently Asked Questions

What is this partnership with SMRT?

SMRT has collaborated with Validus Capital to assist their suppliers with their business financing needs. Businesses supplying or providing a service to SMRT can enjoy lower interest rates and faster processing on Invoice Financing and other business financing products.

What is the eligibility criteria?

Your business must be a Singapore-registered entity supplying or providing a service to SMRT. No other minimum requirements apply for Invoice Financing.

Are you registered in Singapore?

Yes, we are a Singapore company licensed by the Monetary Authority of Singapore. Backed by Vertex Ventures (member of Temasek Holdings), we offer Singapore SMEs a suite of business financing options to bridge the cash flow gap. Read about us in the media →

What documents do you require?

Pre-approved financing (for Invoice Financing only) means you only require two documents to apply:

  1. Director’s NRIC and/or Passport
  2. Director’s Proof of Address

NOTE: *Up to 90% of invoice amount, maximum SGD 1,000,000. Interest Rate is applicable for Invoice Financing for SMRT invoices only. ^Next-day cash is dependent upon receiving verified SMRT invoice and required documents. Information provided is intended as a guide only and does not constitute a loan application or an offer of finance. Any finance or loan request is subject to assessment against Validus Capital’s lending criteria, standard disclaimers and terms and conditions.

Read about us in the press